Question 1

Turn spend into stickiness

Accepted Answer

Build expense management solutions with configurable cards, dynamic spend controls, real-time visibility, and expense workflows directly into your platform. You capture the payment economics, they get a better expense experience without leaving your product.

Question 2

Streamline vendor payments

Accepted Answer

Deliver a better supplier payment experience, with cards built for easy acceptance and comprehensive non-card payment rails, so every payment settles inside your platform. Bill.com introduced virtual commercial cards with dynamic spend controls for financial institution partners, serving 100,000+ small businesses.2

Question 3

Drive loyalty by offering credit

Accepted Answer

Provide SMB customers access to business cards or credit tools built on the financial data already inside your platform, enabling faster approvals and underwriting genuinely tailored to their business.

Question 4

What does it mean to embed payments into a B2B software platform?

Accepted Answer

Embedding payments means integrating payment processing, card issuance, and related financial tools directly into your platform so customers never need to leave your product to manage transactions or expenses.

Question 5

How do embedded payments create a new revenue stream for SaaS platforms?

Accepted Answer

When you issue cards and process payments through your platform, every transaction generates revenue that scales with your customers' spend, giving you a meaningful alternative to subscription-only income.

Question 6

Can embedded payments help reduce customer churn?

Accepted Answer

Yes. Embedding payments increases platform stickiness by making your product more deeply integrated into how customers run their business, which gives them more reasons to stay even when competitors compete on price.

Question 7

What kinds of payment capabilities can B2B platforms offer their customers?

Accepted Answer

Platforms can offer configurable cards with dynamic spend controls, supplier payment rails, virtual commercial cards, and credit tools, all built directly into the platform experience.

Question 8

Who owns the transaction data when payments are embedded in a platform?

Accepted Answer

When you process payments through your own platform, you own the transaction data, giving you direct insight into how your customers' businesses operate rather than ceding that intelligence to a third-party processor.

Question 9

What types of B2B software platforms benefit most from embedded payments?

Accepted Answer

Vertical SaaS, expense management, AP/AR automation, and payroll and HR platforms are all well-suited to embedded payments because they already own the core workflows that payments naturally extend.

Question 10

What should platforms look for in an embedded payments partner?

Accepted Answer

Beyond technical infrastructure, platforms need a partner with established bank and network relationships, built-in risk and compliance support, and the operational experience to guide a program from launch through global scale.

Make your platform irreplaceable

The challenges B2B software platforms bring to us — and how we solve them

Build new revenue

Retention is more fragile than it looks

Customer data isn't being captured

Build new revenue

Become the platform at the center of how your customers work

One platform, tailored to how your software earns

A payment program takes more than a platform

Learn from the front lines of payments

Frequently asked questions